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Banks with Google Pay in India

Does your bank support Google Pay? Find out in this guide.

Google Pay is a digital wallet and online payment system similar to PhonePe and BHIM. It lets you make purchases in-app, online and in person without using your physical debit or credit card. This guide will cover how to use Google Pay in India and provide a list of the most popular Indian banks that currently offer it.

Banks that offer Google Pay in India

What is Google Pay?

Google Pay is a payments app that acts like your physical wallet, housing all your debit and credit cards as well as loyalty cards, tickets and coupons. You can use the digital wallet to make contactless purchases in stores and online just like you would with your physical debit card, except the app lets you make these purchases using just your smartphone or Android device. The beauty of Google Pay is that you can travel lightly with just your phone and still make purchases – no cash or card needed.

How does Google Pay work?

Google Pay works as a unified payments interface (UPI). You link your bank account with Google Pay, set your UPI PIN and you are ready to go! Since it is UPI-enabled, the payment is transferred directly to the receiver’s bank account. This completely eliminates the additional step of receiving money in your wallet first, and then transferring it to your bank account.

Where can you use Google Pay?

Google Pay is accepted at almost every store in India, big and small. Even your local kirana store probably accepts Google Pay. The stores will usually have their unique QR code or Google Pay associated mobile number displayed at the payment counter.

You can also use Google Pay to make purchases within a large number of popular apps as well as on websites. When using Google Pay to make purchases online, you avoid having to manually enter your card details each time you make a transaction. If you’re not sure if a particular merchant accepts Google Pay, just look for the Google Pay symbol or the contactless payment symbol.


You must be at least 16 years old to use Google Pay. If you’re under age 18, you’ll need a parent or legal guardian’s permission before you can accept the terms and conditions and use the app.

How many cards can I add to Google Pay?

You can store as many cards as you’d like in Google Pay. There’s no limit.

You can add two or more bank accounts to a single Google Pay account as long as the registered mobile number is the same for all the bank accounts.

Can I use Google Pay internationally?

No, international payments and transfers are not allowed. You need to have an Indian bank account linked to Google Pay to make payments in India.

Which devices support Google Pay?

Google Pay is supported by all Android devices running Android 5.0 (Lollipop) or higher, and iOS devices running iOS 10.0 or higher. Currently, you can not use Google Pay on your smartwatches in India.

How to set up Google Pay on your smartphone

Setting up Google Pay only takes a few easy steps, and you can start making contactless payments right away.

  1. Ensure you have an eligible device. You’ll need to have an Android smartphone that supports Android 5.0 (Lollipop) or higher, or an iOS smartphone running iOS 10.0 or higher.
  2. Check whether your bank supports UPI. Google Pay can only link with bank accounts that support UPI transactions. Please check the above list to see if your bank can link with Google Pay.
  3. Download the app. The Google Pay app is available on both the Google Play Store and the App Store.
  4. Create your Google Pay account. Sign into your Google account and enter your bank registered mobile number. You will receive a 6-digit OTP to verify your mobile number. After the mobile verification, you will need to set up a Google security PIN. This PIN can be the same as your screen lock, or you can set a new PIN.
  5. Link your bank account to Google Pay. In Settings, go to the “Payment Methods” option and choose “Add a bank account”. Here, select your bank from the list available. Google Pay will automatically verify your mobile number and account details with the bank servers. If you have more than one account with the same bank, you will have to choose the account you wish to add. Check out our comprehensive list of banks that support Google Pay in India.
  6. Create the UPI ID. Once your bank account is verified, Google Pay will ask you to create a UPI ID. In case you have a UPI ID associated with the bank account, it will ask you to enter the UPI PIN to verify the ID.

How do I use Google Pay once it’s installed?

Once you’ve got the Google Pay app set up on your smartphone, it’s easy to make contactless payments in stores without your debit card or cash. All you need to do is:

  1. Open the Google Pay app. Open the app and enter your security PIN to unlock it.
  2. Choose the receiver. Select “New payment” at the bottom of the screen. You can choose the person to whom you want to send the money from your contacts. If you don’t have their contact details, you can find them by scanning their QR code, by searching for their UPI, or by entering their mobile number.
  3. Enter the amount. Enter the amount you wish to pay along with the reason (if necessary), and hit send.
  4. Approve the transaction. Finally, the app will ask you to enter your UPI PIN to approve the transaction. The app will show you a tick mark to indicate the transaction was successful.

If you’re making a purchase within an app or on a website, simply select the Google Pay option at the checkout. The app or website will redirect you to the Google Pay app where you will be required to enter your UPI PIN to approve the transaction.

How do I use Google Pay on my Android watch?

Currently, Google Pay is not supported on smartwatches in India.

Is Google Pay safe?

You can sleep easy knowing that yes, Google Pay is incredibly safe. In fact, Google operates one of the most advanced security systems in the world. When you use Google Pay to pay for things in-store, like your morning coffee, the app doesn’t share your debit card number with the merchant. Instead, it shares a unique encrypted transaction number along with a number specific to your device to validate the payment.

And if you lose the phone itself, you can simply lock it remotely from a web browser by logging into your Google account. Or, you can use your mobile banking app to lock your debit card temporarily. So, Google Pay is actually safer than using your traditional debit or credit card in some ways.

Bottom line

With Google Pay, you can make in-store and online purchases using your mobile device as a digital wallet. It’s a safe, easy-to-use contactless payment system that works in numerous countries across the world – but note that it only works with bank accounts that support the UPI system.

Compare debit cards with Google Pay

Name Product Monthly Account Service Interest Average Monthly Balance Fund Transfer
HDFC Bank Instant Savings
Up to 2% p.a.
Choose and open a new HDFC savings account instantly at the comfort of your home. All you need is a valid mobile number, Aadhaar, and PAN details to get started.
Kotak 811 Digital Bank Account
Up to 4% p.a.
Access essential banking services such as NEFT / IMPS transfers and virtual debit card payments, without having to complete a full KYC verification.
Indus Delite
Up to 6% p.a.
Receive a rewards-packed Platinum Plus debit card with this zero balance savings account and benefit from attractive cashback, deals, complimentary insurance, and more.
Jupiter Account
Up to 2.5% p.a.
Take control of your finances with advanced spend analytics, live insights and more. Earn 1% cashback on all purchases with a free debit card.
Benefit from a host of banking and payments features, plus a three-in-one smart card with integrated debit, credit and forex functionalities.
Digibank Savings Account
Up to 4% p.a.
Benefit from competitive interest rates, spend analytics and effortless payments with this fully digital savings account.

Compare up to 4 providers

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